Topic: By Our Agents

Help! I’m Paying Too Much for Car Insurance

Posted by Cresta Combs, Menicucci Insurance Agency December 12, 2016
We all want to pay less for car insurance. However, certain factors just aren’t compatible with low auto insurance rates. An independent agent explains five of them. Read more

Gift Yourself These Insurance Coverages for the Holidays

Posted by Shaun Murphy, Pablo Beach Insurance December 5, 2016
Sure it’s better to give than to receive, unless you’re talking about insurance coverage. It’s the perfect gift to give yourself this holiday season. An independent agent explains why. Read more

Black Friday Car Accidents: What’s at Stake?

Posted by Ron Hettler, Hettler Insurance Agency November 21, 2016
Black Friday can take a toll on your wallet – and your vehicle. Learn how your insurance may help see you through four different Black Friday mishaps. Read more

3 Scary Insurance Misconceptions

Posted by April McBriarty-Weismann, HPM Insurance October 31, 2016
Are frightful insurance misconceptions putting you at financial risk? An independent agent helps clear up some common misconceptions about umbrella coverage, rental car insurance and policy reviews. Read more

5 Figures Important to Your Homeowners Insurance

Posted by Shaun Murphy, Pablo Beach Insurance October 20, 2016
Budgeting for home insurance? Wondering why you pay what you pay? An independent agent looks at five figures that play a role in your home insurance costs. Read more

3 Hidden Costs of Cheap Car Insurance

Posted by Cresta Combs, Menicucci Insurance Agency October 13, 2016
Coverage limitations, out-of-pocket costs and garnished wages – an independent agent outlines why cheap car insurance may lead to unexpected and extremely costly expenses. Read more

3 Ways Auto Insurance is Going High Tech

Posted by Ron Hettler, Hettler Insurance Agency October 3, 2016
Technology is an essential part of our daily lives, and auto insurers have taken note. An independent agent discusses three ways car insurance is evolving to keep up with modern life. Read more

Will I Pay More for Car Insurance With a Teen Driver?

Posted by April McBriarty-Weismann, HPM Insurance September 29, 2016
Your teen behind the wheel – as convenient as it sounds, it’s also at least a little terrifying, and then you have to consider insurance costs. An independent agent outlines a few important things to know when adding a teen to your policy. Read more

5 Things to Know About Flood Insurance

Posted by Shaun Murphy, Pablo Beach Insurance September 15, 2016
From coastal areas to inland locales, minor to severe flooding can occur just about anywhere. Yet the typical homeowners insurance policy does not cover flood damage. Flood insurance, however, can. Learn all about it from an independent agent in the know. Read more

Can Your Insurance Take The Heat?

Posted by Frank Siciliano, WHINS Insurance Agency September 8, 2016
Even as the fall season approaches, high temperatures across the country continue to take a toll on our vehicles and homes. An independent agent outlines whether or not insurance may come to your aid in four heat-related mishaps. Read more

5 Basic Things Every Landlord Must Know About Insurance

Posted by Frank Siciliano, WHINS Insurance Agency August 18, 2016
An independent agent explains the basics of landlord insurance to help you better understand this specialized type of insurance coverage. Read more

Does Home Insurance Cover Trampolines?

Posted by April McBriarty-Weismann, HPM Insurance August 11, 2016
Trampolines increase the likelihood of injuries occurring on your property, which could lead to liability claims and even lawsuits. What does your carrier have to say about trampolines? An independent agent explores the issue. Read more

College Students and Insurance: A Primer for Parents

College is a new adventure for students and parents alike. Are your insurance policies ready for what’s ahead? These tips from an independent insurance agent will help you, your undergrad and your policies all make the transition together. Read more

3 Car Insurance Coverages You Can No Longer Ignore

A lot can happen when you’re on the road. Does your auto insurance policy cover you for many of the possible scenarios or just a few? An independent agent outlines three types of car insurance coverages to consider adding to your policy to further your protection. Read more

How Much Does Home Insurance Cost?

Posted by Shaun Murphy, Pablo Beach Insurance July 11, 2016
Even similar homes within the same neighborhood can have drastically different home insurance costs. An independent agent explains several of the factors driving insurance rates to help you better understand your own home insurance costs. Read more

Answering 3 of the Most Common Questions About Auto Insurance

An independent agent takes on questions such as “Does auto insurance cover the car or the driver?” to help you better understand your coverage, which is essential to your peace of mind both on and off the road. Read more

Does Your Condo Policy Cover Loss Assessments?

Your condo community’s HOA just doled out a $50,000 assessment – your share of the cost for emergency repairs. Now what? Before you ever get to that question, get on the phone to your independent agent to double check your Loss Assessment Coverage. Read more

What’s Different About Classic Car Insurance?

You made a significant investment in your classic, and driving and maintaining it are your pride and joy. An independent insurance agent explains why classic car coverage is likely a better bet for your vintage beauty than standard auto insurance. Read more

5 Dos and Don’ts of Filing a Home Insurance Claim

Posted by Shaun Murphy, Pablo Beach Insurance April 28, 2016
Experiencing home damage can be overwhelming, but the claims process doesn’t have to be. An independent agent explains what you can do to help ease the strain. Read more

4 Instances When Umbrella Insurance Is a Must

Ever wonder what might happen if someone sued you for millions and won? Your insurance coverage might help with the settlement, but then again it may not be enough. An independent agent explains why and outlines how an umbrella policy offers added protection. Read more

Why Is My Car a Total Loss? And, Now What?

Posted by Shaun Murphy, Pablo Beach Insurance April 4, 2016
At a loss on what to do after a total loss? An independent agent helps explain why cars get totaled and what typically happens next. Read more

Personal Property: 6 Reasons Why Yours May Not be Fully Covered

The personal property coverage you think you have for your jewelry, artwork, furniture and more may be far different from the personal property coverage you actually have. An independent insurance agent explains why. Read more

Water Damage: Are You Covered?

Posted by Cresta Combs, Menicucci Insurance Agency February 25, 2016
All homes are susceptible to water damage, so all homeowners should know what their insurance covers. An independent insurance agent explains when the typical homeowners policy covers water damage and when it doesn’t. Read more

5 Things You Didn’t Know Home Insurance Could Cover

You know your home policy covers incidents such as hailstorms, fires and robberies. But, your policy can cover you in other ways too, and, as an independent insurance agent explains, some of them may surprise you. Read more

3 Misconceptions That Can Put Your Home at Risk

These tips from an independent insurance agent will help you avoid having too little homeowners insurance, so you’re covered the way you want to be covered if the unthinkable were to happen. Read more

Got Toys? Get Tips on Insuring Them

Posted by Shaun Murphy, Pablo Beach Insurance January 7, 2016
Your toys may be in storage now. But, soon your boat, motorcycle, RV or classic car will be ready to come back out to play, so make sure your insurance policy is ready, too. These tips from an independent agency owner will help. Read more

6 Insurance Resolutions for 2016

Posted by Shaun Murphy, Pablo Beach Insurance December 28, 2015
You’re making New Year’s resolutions for your health and your finances, but what about for your … insurance? Independent insurance agency owner Shaun Murphy explains why your insurance resolutions may just be the most important ones you make this year. Read more

Renters Insurance: Making the Holidays Merry

The holidays are a hectic time. And, when things get hectic, mishaps occur. Learn four ways your renters insurance can help you enjoy the holidays even if something unexpected happens. Read more

7 Factors That May Impact Your Auto Insurance Costs

Posted by Shaun Murphy, Pablo Beach Insurance October 8, 2015
Ever wonder why your car insurance costs what it costs? Your insurance carrier looks at such things as your age, driving history and more to determine your rate. Here’s a look at seven factors that may be impacting how much you pay for car insurance. Read more

5 Misconceptions About Uninsured Motorist and Underinsured Motorist Coverage

Posted by Shaun Murphy, Pablo Beach Insurance August 20, 2015
Drivers with no or too little insurance are out there. The question is: Do you need extra coverage to help protect yourself against them? An independent insurance agent deconstructs some common misconceptions to help you decide. Read more

6 Questions for Your Annual Insurance Review

Posted by Shaun Murphy, Pablo Beach Insurance June 18, 2015
Not much stays the same from year to year, and with life’s changes comes the need to change your insurance coverage, too. A review of your policies with your local independent insurance agent can help you ensure your coverage is current, not out of date. Read more

Insurance Tips for College Grads From an Independent Agent

As a college graduate, you know it’s smart to have insurance for your car. But, how much car insurance is enough? And, what about insuring your personal belongings? Your independent insurance agent has the answers you need. Learn what to expect from an independent agent so you can get the coverage you want for the life you want to build. Read more
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Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.